Well had my Or interview today,not as bad as i thought it was going to be!
I got a bit worried when he said my car was not on HP(i thought it was) and it was infact a loan agreement,this is when i thought" oh hes going to take my car!!" but he then went on to say the loan will be swallowed up in the BR and because i need the car for work(i work very unsocialable hours) i could keep it
Must say i was extremely shocked by this because he said my car was valued at £4200 so i think i struck lucky there!
He then went on to say my I&e looked reasonable and i could even keep my mobile phone contract
The only thing what im miffed about is that hes valued my home at 4k more than what i thought,so this means my partner will have to cough up more for my beneficial interest,but he did go on to say my partner can contest this figure and if i wanted to get my own valuations done then i could,so thats what im going to do.
He ended the interview saying i would be expected to pay an IPA of £90 a month,which is a far cry from the £400 i was paying in my DMP and that he would be in touch regarding the property.
So all in all im very happy with this outcome,thought it was going to be a lot worse,but the man i spoke to was pleasant,didnt judge me and made me feel at ease.
Thanks for taking the time to read my post,just wanted to share my experience with others who are waiting for their interviews.
All i can say is just be honest with them and if you dont know the answer then just say 'dont know'
Thanks once again